What’s Covered

PEACE OF MIND PROTECTION

This is a summary of the main cover limits for each insured person.

Click here for full policy terms & conditions including excesses.

Click here to see the list of Activities covered free of charge, and those available at an additional premium.


  • Sections of cover
  • Cancellation and Curtailment Charges
  • Catastrophe
  • Medical and Emergency Expenses
  • Emergency Dental Treatment
  • Additional Accommodation and Travelling Costs
  • Burial Costs / Body Repatriation
  • Hospital Inconvenience Benefit
  • Re-joining the Boat
  • Crew Replacement/Vessel Repatriation
  • Travel Delay
  • Abandonment
  • Travel Disruption (Missed Departure/Connection)
  • Personal Accident
  • Loss of Limbs or Sight
  • Permanent Total Disablement (aged up to 69)
  • Permanent Total Disablement (aged 70 or over)
  • Death Benefit (aged 16-69)
  • Death Benefit (aged 15 & under)
  • Personal Liability
  • Legal Expenses
  • Possessions, Personal Effects, Money & Documents
  • Personal possessions
  • Single Item, Pair or Set Limit
  • Valuables Limit in Total
  • Loss of travel documents including passport
  • Delayed Possessions (over 12 hours)
  • Loss of personal money
  • Cash Limit
  • Hijack or kidnap
  • Classic
    Up to:
  • £3,000
  • £1,000
  • £5,000,000
  • £350
  • £1,000
  • £3,000
  • £1,500 (£25 per day)
  • No Cover
  • No Cover
  • £20 for the first 12 hour period, £10 for each additional 12 hour period up to £100
  • £3,000
  • £500
  • £20,000
  • £20,000
  • £5,000
  • £20,000
  • £2,500
  • £2,000,000
  • £25,000
  • £1,500
  • £1,500
  • £500
  • £500
  • £200
  • £100
  • £750
  • £250 (£75 under 18)
  • £50 per day
  • Premier
    Up to:
  • £5,000
  • £5,000
  • £10,000,000
  • £350
  • £1,000
  • £3,000
  • £1,500 (£25 per day)
  • £3,000
  • £1,500
  • £20 for the first 12 hour period, £10 for each additional 12 hour period up to £100
  • £5,000
  • £500
  • £30,000
  • £30,000
  • £5,000
  • £30,000
  • £2,500
  • £2,000,000
  • £25,000
  • £3,000
  • £3,000
  • £500
  • £500
  • £200
  • £250
  • £750
  • £500 (£150 under 18)
  • £50 per day
  • Excesses
  • Nil
  • Nil
  • £90 / £50
  • Nil
  • N/A / Nil
  • N/A / Nil
  • Nil
  • Nil
  • Nil
  • Nil
  • Nil*
  • Nil
  • £50 / £35
  • £90 / £50
  • Nil
  • £90 / £50
  • Nil
  • Nil

*£200 in respect of holiday accommodation

  • Wintersports Cover
    (when additional premium is paid)
  • Ski Equipment
  • Single Item Limit - Owned
  • Single Item Limit - Hired
  • Ski Hire
  • Ski Pack
  • Piste Closure
  • Delay Due to Avalanche
  • £500
  • £500
  • £500
  • £25 per day up to £300
  • £50 per day up to £300
  • £20 per day up to £200
  • £250
  • £500
  • £500
  • £500
  • £25 per day up to £300
  • £50 per day up to £300
  • £20 per day up to £200
  • £250
  • £90 / £50
  • Nil
  • Nil
  • Nil
  • Nil

Single Trip – Winter Sports can be added for an additional premium. You can select the Winter Sports option during the quote process. The maximum number of days permitted for each individual wintersports trip is 60 days.

Annual Multi-trip – Winter Sports cover is automatically included free of charge. You will be covered up to 21 days Winter Sports cover during the policy period.

Winter Sports Activities

Cover is available under Single Trip policies when the additional premium is paid.

  • Skiing, ski boarding, snowboarding, big-foot skiing, cross-country skiing, glacier skiing/walking, ice skating, monoskiing, sledging/tobogganing, sledging/sleigh riding (pulled by horse or reindeer as a passenger) and snow blading.
  • Off-Piste skiing and snowboarding when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.
  • Biathlon, husky dog sledding (organised, non-competitive and with an experienced local driver), ice windsurfing, kick sledging, ski biking, ski-dooing, ski run walking, skiing-nordic, snow biking, snow bobbing, snow carting†, snow go karting†, snow mobiling†, snow park/terrain park, snow scooting, snow shoe walking, snow tubing, telemarking, winter walking (using crampons and ice picks only, 3,000 metres).

Note: cover under Personal Liability is excluded for those Winter Sports marked with an †

There is no cover for the following activities:

  • Bobsleighing, heli-skiing, luging, ski acrobatics, ski flying, ski jumping, ski racing, ski stunting or snow cat skiing.